Billings, MO · Cert 16959 · First Miami Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
27
Asset Quality
26
Profitability
57
Liquidity
62
Efficiency
34
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Billings, MO · Cert 16959 · First Miami Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 2 branches (5 in holding)
Q2 2026
Market Position · Springfield, MO · 2026 SOD (annual) · 0.3% share · #31 of 41 inst. · $0.1B of $17.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.99% | 1.15% | 1.19% | 1.23% | 1.25% | 1.03% | 1.03% | -17 bps | |
| Return on Equity | 6.78% | 7.76% | 8.99% | 9.32% | 9.48% | 9.64% | 8.13% | 8.21% | -111 bps | |
| Net Interest Margin | 5.42% | 5.55% | 4.78% | 4.86% | 5.03% | 5.08% | 4.68% | 4.66% | -20 bps | |
| Efficiency Ratio | 75.46% | 72.89% | 68.72% | 68.49% | 65.63% | 65.83% | 70.72% | 71.35% | +286 bps | |
| Non-Interest Burden | 3.89% | 3.82% | 3.09% | 3.14% | 3.09% | 3.13% | 3.12% | 3.14% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.17% | 7.08% | 4.99% | 6.78% | 7.34% | 6.43% | 7.42% | 11.10% | +431 bps | |
| Loan Growth (YoY) | -0.61% | 0.56% | 1.89% | 5.53% | 11.85% | 13.29% | 8.63% | 7.30% | +177 bps | |
| Deposit Growth (YoY) | 1.44% | 8.99% | 4.41% | 6.30% | 6.54% | 6.06% | 7.76% | 12.20% | +589 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.55% | 0.53% | 0.42% | 1.66% | 1.27% | 0.86% | 1.47% | 0.91% | -75 bps | |
| Net Charge-Offs / Loans | 0.52% | 0.38% | -0.01% | 0.06% | 0.16% | 0.12% | 0.09% | 0.12% | +6 bps | |
| Allowance / Loans | 0.92% | 0.92% | 0.87% | 0.83% | 0.86% | 0.88% | 0.88% | 0.84% | +1 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.7x | 2.1x | 0.5x | 0.7x | 1.0x | 0.6x | 0.9x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.08% | 10.72% | 10.07% | 10.15% | 10.46% | 10.67% | 10.07% | 9.88% | -27 bps | |
| Total Risk-Based Capital | 10.08% | 10.72% | 10.07% | 10.15% | 10.46% | 10.67% | 10.07% | 9.88% | -27 bps | |
| Equity / Assets | 13.08% | 13.05% | 12.46% | 12.98% | 13.27% | 13.17% | 12.23% | 12.28% | -70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.09% | 88.52% | 85.99% | 90.58% | 94.58% | 94.55% | 86.69% | 86.62% | -396 bps | |
| Liquid Assets / Assets | 10.75% | 8.48% | 12.20% | 10.42% | 5.87% | 7.17% | 13.47% | 7.04% | -338 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 239% | 254% | 245% | n/a | n/a | |
Billings, MO · Cert 16959 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Miami Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 2 branches (5 in holding)
Q2 2026
Return on Assets
0.99%
Rank 411 of 746
Net Interest Margin
4.66%
Rank 68 of 746
Efficiency Ratio
71.35%
Rank 494 of 746
Equity / Assets
12.28%
Rank 224 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.99% | 0.72% | 1.06% | 1.45% | Beats 45% | 411 / 746 | ||
| Return on Equity | 8.08% | 6.74% | 10.51% | 13.63% | Beats 34% | 492 / 746 | ||
| Net Interest Margin | 4.66% | 3.17% | 3.68% | 4.16% | Beats 91% | 68 / 746 | ||
| Efficiency Ratio | 71.35% | 55.74% | 64.58% | 75.47% | Beats 34% | 494 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.91% | 0.09% | 0.42% | 1.07% | Beats 30% | 522 / 743 | ||
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.01% | 0.05% | Beats 21% | 587 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.88% | 11.55% | 13.75% | 17.60% | Beats 6% | 701 / 746 | ||
| Total Risk-Based Capital Ratio | 9.88% | 11.71% | 14.33% | 18.43% | Beats 6% | 703 / 746 | ||
| Equity / Assets | 12.28% | 8.90% | 10.51% | 13.06% | Beats 70% | 224 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.62% | 61.31% | 78.27% | 90.78% | 67th pctl | 243 / 746 | ||
| Loans / Assets | 75.28% | 53.60% | 66.97% | 76.08% | 72nd pctl | 208 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||